Our services
Tailored financing solutions designed for your unique needs.
Retail & Personal Finance
We provide accessible lending solutions for individuals—from emergency cash and payday loans to education financing and rent assistance. Our technology-driven platform ensures fast approval and instant disbursement, making quality financial services available to all Nigerians.
Business & Commercial Lending
Small and medium enterprises are the backbone of Nigeria's economy. We support business growth with working capital loans, invoice financing, asset acquisition funding, and agricultural loans tailored to business cycles and cash flow needs.
We fund large-scale, capital-intensive projects across construction, mining, infrastructure development, manufacturing, and energy sectors. Our structured financing solutions align with project timelines and revenue models, enabling ambitious ventures that drive national development.
Project Financing
Real-estate Financing
We provide accessible lending solutions for individuals—from emergency cash and payday loans to education financing and rent assistance. Our technology-driven platform ensures fast approval and instant disbursement, making quality financial services available to all Nigerians.
Investment Opportunities
We offer carefully curated investment products including, real estate investment trusts (REITs), and project co-investment opportunities—all backed by rigorous due diligence and professional management.
Our experienced team provides strategic guidance on capital raising, financial restructuring, investment planning, mergers and acquisitions, and risk management for businesses and high-net-worth individuals.
Financial Advisory & Consultancy
Funding Facilitation
Leveraging our extensive network of financial institutions, private equity firms, and international development organizations, we facilitate access to institutional capital for qualifying projects and businesses, managing the entire process from documentation to disbursement.
Selma Card
An exclusive financial card for salaried professionals offering instant access to credit facilities with preferential interest rates. The SelmaCard will provide seamless integration with your salary account, automatic credit limit adjustments, and flexible repayment aligned to your pay cycle
Coming Soon
Why Richgates Capital
Multinational Backing
As Part of Richgates Holdings operating across different sectors in other countries
Customized financing structures for every need
No hidden fees, clear pricing, honest communication
Flexible Solutions
Transparent Terms
Expert Team
Experienced professionals across banking, finance, and project management
National reach and international connections
Responsible lending, sustainable partnerships, integrity-driven
Local Presence, International Reach
Ethical Practice
FAQs
How to apply?
Simply click 'apply for loan', fill out the form, and submit your documents.
What are rates?
Loan repayment terms?
Who qualifies for loans?
How fast is approval?
Rates vary by loan type but remain competitive and transparent.
Repayment periods range from a few weeks to several months, tailored to your loan type and needs.
Nigerian residents with valid ID and proof of income can apply for any of our loan products.
Most approvals happen within 24 hours after submitting all required documents.
Stay Informed
Get updates on new loans and offers
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